CN1818968A - Multiple independent accounting cash co-settling device and method - Google Patents
Multiple independent accounting cash co-settling device and method Download PDFInfo
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- CN1818968A CN1818968A CNA2005100239174A CN200510023917A CN1818968A CN 1818968 A CN1818968 A CN 1818968A CN A2005100239174 A CNA2005100239174 A CN A2005100239174A CN 200510023917 A CN200510023917 A CN 200510023917A CN 1818968 A CN1818968 A CN 1818968A
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Abstract
The invention relates to a data processing system.
Description
Technical field
The present invention relates to the apparatus and method of a plurality of independent accounting cash co-settlings in the bank data management system.
Background technology
Along with company size constantly develops, many group companies (or parent company of group) have increasing subsidiary company.Because these parent companys of group, subsidiary company are the units of finance independent accounting relatively, and are not only separate between these subsidiary companies in cash management, and these subsidiary companies and its to go up parent company of genus group also separate.Thereby, a parent company of group and its subordinate subsidiary company to be done as a whole, the cash management of separate type can not make full use of the cash resource that group company and its all subordinate subsidiary companies are had.For example, if parent company of group will must pay 8 million people people's coin cashes in one day, and have only 6 million people people's coin cashes on its account, although its subordinate subsidiary company has greater than 2 million people people's coin cashes, because cash management is separate, this parent company of group can not pay the cash of 8 million people people's coin with the mode that requires from bank account to remit money.Subsidiary company also faces same problem.If the required inadequately cash payment of the surplus cash of a subsidiary company, even there are enough surplus cashes in its parent company or fraternal subsidiary company, this subsidiary company also can't pay in cash with the mode that requires to remit money from bank account.
Along with the development of computer information system, the cash of most of companies can be managed its cash effectively by the computer system of bank, comprises the company's cash that deposits in, takes out, pays, transfers.But the data organization of existing computer system and system design are not suitable for unified operation and management at the cash of group company and its subsidiary company independently separately financially.
Summary of the invention
The technical matters that the present invention will solve is, on computer information system, reasonably organize data and design system structure, make this computer system be applicable to that unified operation and management company operate the cash account that goes up relatively independent group company and its subsidiary company.
Another technical matters that the present invention will solve is, on computer information system, reasonably organize data and design system structure, make this computer system be applicable to that unified operation and management company operate the cash account that goes up relatively independent parent company of group and its subsidiary company, and compatible mutually with the existing bank computer system that forms by exploitation for many years.
The technical matters that the present invention also will solve is, on computer information system, reasonably organize data and design system structure, make this computer system be applicable to that unified operation and management company operate the cash account that goes up relatively independent parent company of group and its subsidiary company, and can handle the cash account of parent company of group and its subsidiary company in real time.
To achieve these goals, a kind of data handling system of the present invention comprises:
Be installed in the memory storage in the described computer system, be used to be provided with a main account and at least one sub-account;
Be installed in the input media of described user terminal, be used to import the customer deposit request;
Be installed in the judgment means in the described computer system, be used to judge whether described customer deposit request deposits sub-account in or deposit main account in;
Be installed in the actuating unit in the described computer system, be used for depositing deposit in described main account, if the customer deposit request is to described main account deposit, be used for depositing deposit in described sub-account earlier, then described deposit is produced the described main account of restoring from described sub-account, if described customer deposit request is to described sub-fund account.
To achieve these goals, another kind of data handling system of the present invention comprises:
Be installed in the memory storage in the described computer system, be used to be provided with a main account and at least one sub-account;
Be installed in the input media of described user terminal, be used for client's geld request of importing;
Be installed in the judgment means in the described computer system, be used for judging whether the request of described client's geld is paid or paid from sub-account from main account;
Be installed in the actuating unit in the described computer system, be used for geld is paid from described main account, if the request of client's geld is from described main account payment, be used for earlier geld being produced from described main account earlier, deposit the described money that produces in described sub-account then, again geld is paid from described sub-account, if the request of described client's geld is to pay from described sub-account.
Compared with prior art, beneficial effect of the present invention is, can the cash that operate in relatively independent parent company of group and its subsidiary company's cash account be compiled, and these parent companys of group can call the cash that compiles with the mode that requires to remit money from its bank account with its subsidiary company.
Description of drawings
Figure 1A is an embodiment 100A of the present invention system of being used for managerial body's cash.
Figure 1B is another embodiment 100B that the present invention is used for managerial body's cash.
Fig. 1 C represents the hardware synoptic diagram of the bank computer system 10 among Figure 1A and Figure 1B.
Fig. 2 A represents the structural drawing of parent company of a certain group and its subordinate subsidiary company.
Fig. 2 B represent with Fig. 2 A in the represented corresponding account data structure of corporate structure.
The demonstrative structure of a certain server shown in Fig. 3 presentation graphs 2.
The 302 more detailed structures of processing element shown in Fig. 4 A presentation graphs 3.
Fig. 4 B represents the data and the program of storage in as shown in Figure 3 the external memory parts 306.
Fig. 5 is that the present invention represents to use shown in Figure 1A 100A of system to carry out the process flow diagram of account control of cash payment.
Fig. 6 A-6D represents the example that uses the system architecture shown in Figure 1A of the present invention according to process flow diagram shown in Figure 5 group's cash account shown in Fig. 2 A-2B to be carried out sequential operation.
Fig. 7 is that the present invention uses that the 100B of system carries out account cash management process flow diagram shown in Figure 1B.
Fig. 8 A is that the present invention uses shown in Figure 1B 100B of system to deposit the process flow diagram of processing.
Fig. 8 B is that the present invention uses the process flow diagram that the 100B of system pays and handles shown in Figure 1B.
Fig. 9 A-9B represents the example that uses the system architecture shown in Figure 1B of the present invention according to the process flow diagram shown in Fig. 8 A-8B the group's cash account shown in Fig. 2 A-2B to be carried out sequential operation.
Embodiment
Figure 1A is an embodiment 100A of the present invention system of being used for managerial body's cash.Shown in Figure 1A, system 100A comprises bank computer system 10, computer network 12, M client terminal 202
1, 202
2..., 202
M, K bank's cabinet face processing terminal 304
1, 304
2..., 304
K Bank computer system 10 contains N operation system, comprises operation system 1 (the existing operation system of access), operation system 2 (credit card business system) ..., operation system N.Each operation system can be finished a specific banking.For example, the existing operation system (102 of access
1) can handle the business of client's access cash; Credit card business system (102
2) can handle every business of credit card.Each operation system 102
1, 102
2..., or 102
NInterlink on software function with billing and accounting system 104.
The function of billing and accounting system 104 is that bank account is adjusted, and the accounting support of account is provided for operation system.The bank account database 108 independent accounts informations of preserving each client, the treasury trade information between group's cash account database 106 parent companys of managerial body and the subsidiary company.Billing and accounting system 104 be responsible for to bank account database 108 conduct interviews, access and management.Group's control of cash payment 103
1, 103
2, 103
NWith group cash income management 107 be responsible for to group's cash account database 106 conduct interviews, access and management.Each operation system 102
1, 102
2..., or 102
NCan pass through group's control of cash payment 103
1, 103
2, or 103
NConduct interviews or access with 104 pairs of groups of billing and accounting system cash account database 106 and bank account database 108.Each operation system 102
1, 102
2..., 102
NContain group's control of cash payment 103
1, 103
2..., or 103
N, because group's control of cash payment 103
1, 103
2..., or 103
NBe contained in each operation system, so this group's control of cash payment 103
1, 103
2..., or 103
NProper account in cash in the bank account database 108 and the group's cash account database 106 is handled in real time to drawing property of cash business.This real-time processing is the needs of banking, because bank can not be in group's cash account database 106 in the corresponding group account under the cash-free situation, continues to allow subsidiary company of group drawing property business.Concrete operations as for payment management in each operation system are decided by the specific nature of this operation system.
Group cash income management 107 is regularly to depositing in the account database 108 parent company of group and its subsidiary company's segregated account in the bank and having that corresponding group company and its subsidiary company's account handle in group's cash account database 106, the cash that is dispersed in the bank account database 108 in subsidiary company's account is pooled to parent company of group account, upgrades simultaneously in the proper account information in group's cash account database 106.Because group's cash income management 107 is and every operation system 102
1, 102
2..., or 102
NSeparately, can not handle depositing cash in real time so group's cash income manages 107, and can only regularly start, the cash that is dispersed in each related account is handled.In the interval of handling, deposit in the bank account database 108 cash in each subsidiary company of group account in and still stay in its account.
Bank client can be at client terminal 202
1, 202
2..., or 202
MSend the business operation requirement of being authorized by bank, these business operations require by computer network 12 to operation system 102
1, 102
2..., or 102
NSend the business operation requirement, to finish certain banking.
Bank's cabinet face processing terminal 304
1, 304
2..., 304
KBe located in head office and each bank of branch, banking operator is according to requirement of client, and input operation order on bank's cabinet face processing terminal is delivered to corresponding business system 102 by computer network 12
1, 102
2..., 102
NTo finish certain banking.
Figure 1B is another embodiment 100B that the present invention is used for managerial body's cash.
In Figure 1B, have identical functions with the functional block that has identical label among Figure 1A, its functional description is the same with the description among Figure 1A, so no longer be repeated in this description.Shown in Figure 1B, billing and accounting system 104 ' comprises the cash processing layer 104-1 of group.Compare with the embodiment of Figure 1A, the system 100B among Figure 1B has removed every operation system 102
1, 102
2..., or 102
NIn group's control of cash payment 103
1, 103
2..., or 103
N, and removed group cash income management 107, go and the function of these modules of removing joined among the cash processing layer 104-1 of group.Other functions of billing and accounting system 104 ' and the billing and accounting system 104 among Figure 1A are similar among Figure 1B.
Compare with the system 100A among Figure 1A, the system 100B among Figure 1B is with every operation system 102
1, 102
2..., or 102
NIn group's control of cash payment 103
1, 103
2..., or 103
NAnd group's cash income management 107 all moves in the billing and accounting system 104 '.Every just or else individual processing group cash management processing of operation system is carried out the cash processing but call the cash processing layer 104-1 of group when being necessary by billing and accounting system 104 ' like this.
The advantage of structure shown in Figure 1A is to carry out modification on the system to existing account system, only needs to support the operation system of group's cash to increase group's processing management function of paying in cash to needs.And the management of group cash income is public system, can unitized overall development.
The weak point of structure shown in Figure 1A is that operation system need consider whether account supports group's cash, supports the operation system of group's cash need adjust business processing flow, development group's control of cash payment function to needs.And the management of group cash income is Timing Processing, and delay fund in subsidiary company's account can't be accomplished real-time cash flow-back easily.
Compare with Figure 1A, thereby though structure shown in Figure 1B requires billing and accounting system to need integrated group cash function that existing billing and accounting system is had bigger modification, but its advantage is the processing of group's cash to be encapsulated in the account system, operation system need not consider whether need to support group's cash, can support group's cash payment function and income function.And group's cash income function is integrated in the account system, can support the real-time backflow of cash, accomplishes that subsidiary company is not detained fund.
Fig. 1 C represents the hardware synoptic diagram of the bank computer system 10 among Figure 1A and Figure 1B.Shown in Fig. 1 C, the A of bank computer system 10 comprises one group of server.For the ease of the man-machine communication, one of them server links to each other with a display screen 14 and a keyboard 16.
Fig. 2 A represents the structural drawing of parent company of a certain group and its subordinate subsidiary company.Shown in Fig. 2 A, certain A302 of parent company of group has J the Z of subsidiary company of subordinate group
1, Z
2..., Z
J
Fig. 2 B represent with Fig. 2 A in the represented corresponding account data structure of corporate structure.Shown in Fig. 2 B, A of parent company of group and the Z of subsidiary company of group
1, Z
2..., Z
JIn bank account database 108, be provided with independently account 412 separately; 414
1, 414
2..., 414
JIndependently account is corresponding separately with these, the Z of subsidiary company of group
1, Z
2..., Z
JIn group's cash account database 106, be provided with the account 402 of a correspondence.
Although the A of parent company of group account 412 can be used as a whole cash pooling and is called, the account logically still is divided into J inner account 402
1, 402
2..., 402
JRecord in each logical account is to being located at subsidiary company of group 414 in the bank account database 108
1, 414
2..., 414
JDeposit in, draw and do to follow the tracks of and record.
With respect to the A of parent company of group account 412 and subsidiary company of group 414
1, 414
2..., 414
J, 402 couples of clients of account are transparent (Transparent), and the setting of account 402 is provided with compatible mutually with existing bank account.Specifically, each customer account all has an Account History in bank account database 108, for subsidiary company of group, in group's cash account database 106, also has a corresponding Account History, the relation of record set dumpling company and parent company of group and treasury trade information.Whether the proper account that the account identification that software program is provided according to group's cash account database 106 is discerned bank account database 108 has the function of group's cash account.If a client has record in group's cash account database 106, show that then the account has group's cash account management function, software program of the present invention is handled this customer account according to the processing rule of group's cash account.If a customer account does not have group's cash account management function, then the account only sets up account and do not set up account in group's cash account database 106 in bank account database 108, and software program of the present invention is then handled this customer account according to classic method.
The a certain server shown in Fig. 3 presentation graphs 1C or the demonstrative structure of terminal.As shown in Figure 3, a certain server shown in Fig. 2 comprises a processing element 302,306, one disk drive interface 308 of 304, one external memory parts of stored parts (hard disk), a display 310,316, one input/output interfaces 318 of 312, one network communication interfaces of a display interface, 320, one keyboards 322 of a mouse and a group system bus 314.
External memory parts (hard disk) 306 links to each other with disk drive interface 308; Display 310 links to each other with display interface 312; Mouse 320 and keyboard 322 link to each other with input/output interface 318.
Stored parts 304 and external memory parts 306 can stored programmes, instruction and data.In general, stored parts 304 have access speed faster, and external memory parts 306 have bigger memory capacity.Display 310 can provide a visual interface between program of carrying out and user.Network communication interface 316 can provide a communication interface between computer system network 6 and this server.
The 302 more detailed structures of processing element shown in Fig. 4 A presentation graphs 3.Shown in Fig. 4 A, processing element 302 comprises 404, one arithmetic operating apparatus 406 of 403, one logical calculation devices of 402, one control device of a code translator and an actuating unit 408.Code translator 402 can be translated into the computer-internal control signal with an instruction; Logical calculation device 404 can come the actuating logic computing according to control signal; Arithmetic operating apparatus 406 can be carried out arithmetical operation according to control signal; Actuating unit 408 can come turning to of executable operations external unit, access memory storage parts 304 and external memory parts 306, control device 403 energy control operation results and operating process according to control signal.
Fig. 4 B represents the data and the program of being stored in as shown in Figure 3 the external memory parts 306.Specifically, external storage component has group's cash account database 106, bank account database 108 in 306.In addition, also there is operation system 102 in the external storage component 306
1, 102
2..., 102
N, group's control of cash payment 103
1, 103
2..., 103
N, billing and accounting system 104 and 104 ', the cash processing layer 104-1 of group, group's cash income management 107 and software program are used to carry out as Fig. 5, Fig. 7, Fig. 8 A, the represented flow process of Fig. 8 B.In addition, also there is data structure shown in Fig. 2 B, Fig. 6 A-6D and Fig. 9 A-9B in the external storage component 306.
Fig. 5 is that the present invention represents to use shown in Figure 1A 100A of system to carry out the process flow diagram of account control of cash payment.
As shown in Figure 5, in step 502, banking person is by bank's cabinet face processing terminal 304
1, 304
2..., or 304
KFor client's incoming traffic requires or client oneself passes through client terminal 202
1, 202
2..., or 202
MThe incoming traffic requirement.This business need comprises business such as cash deposits in, cash is drawn, credit card is asked for an advance on one's pay, credit card repaying.
In step 503, this business need is converted into the business need order of electronic form, is sent to bank computer system 10 by computer network 12 these orders.Computer system 10 sends to corresponding business system 102 according to the character of this business need with this business need order after receiving this business need order
1, 102
2..., or 102
NTo start this operation system.
In step 504, the operation system that is activated is carried out corresponding service and is handled.As shown in Figure 5, be provided with group in the step 504 and pay in cash processing 504 ' (corresponding to the group's control of cash payment module 103 among Figure 1A
1, 103
2..., or 103
N).After business processing is finished, enter before the accounting processing, group pays in cash and handles 504 ' and carry out between group's cash account database 106 and the bank account database 108 account and handle.Specifically, when the character business is drawn to the account of oneself by certain subsidiary company of group, group pays in cash and handles 504 ' and will interrogate the account earlier whether the surplus cash is arranged in bank account database 108, if there is not the surplus cash, then group pays in cash and handles 504 ' and will visit whether this subsidiary company of group has the surplus cash in the record of its corresponding group cash account affair database 106.If there is not the surplus cash, then group pays in cash and handles 504 ' and will judge further whether this subsidiary company of group has overdraw authority and facility extent.Only have under the situation of enough surplus amounts in cash or cash exceed overdraft limit, just allow this subsidiary company of group to carry out cash and draw in this subsidiary company of group.The operation system that is activated is after finishing corresponding service and handling, to billing and accounting system 104 give an order information and relevant data message.
Step 506, billing and accounting system 104 is carried out accounting processing according to the command information that is produced in the business processing with relevant data message, and the record that will produce deposits in the bank account database 108.Then, operation forwards step 502 to, waits for the next business need of input.
As shown in Figure 5, step 510 is processes that run parallel with step 502～506.Effect is regularly each account in the bank account database 108 to be carried out group's cash income management.
In step 510,107 pairs of group cash income management are deposited in the account database 108 cash in each segregated account in the bank and are regularly carried out surplus and handle, be about to the surplus cash and regularly from bank account database 108, produce the surplus cash in each segregated account, and these surplus cashes are changed in the A of parent company of the group account 412, the surplus cash records that will produce from subsidiary company of group is to the proper account of group's cash account database 106 then.
Fig. 6 A-6D represents the example that uses the system architecture shown in Figure 1A of the present invention according to process flow diagram shown in Figure 7 group's cash account shown in Fig. 2 A-2B to be carried out sequential operation.We suppose starting stage A of parent company of group and the Z of subsidiary company of group
1, Z
2..., Z
JHaving the cash number in group's cash account database 106 and the bank account database 108 is zero.
As shown in Figure 6A, the A of parent company of group with and the Z of subsidiary company of group
1, Z
2..., Z
JUse the business need of bank's cabinet face processing terminal shown in Figure 1A or client terminal input Cun Ru $800 ten thousand ， $700 ten thousand ， $600 ten thousand He $100 ten thousand in 502 steps shown in Figure 5.These deposit requests are sent to bank computer system 10 by computer network 12.
In step 503 as shown in Figure 5, these deposit requests are converted into the business need order of electronic form, are sent to bank computer system 10 by computer network 12 these deposit orders.After receiving this business need order, bank computer system 10 deposits these in business need timesharing and delivers to operation system 1 (the existing operation system of access) and timesharing startup operation system 1.
In step 504 as shown in Figure 5, operation system 1 (the existing operation system of access) deposits the business need timesharing in to these and handles.Operation system 1 (access existing operation system) finish deposit business processing in after, send to billing and accounting system 104 and to deposit service command information and relevant data message in, comprise depositing order, accounts information and corresponding cash quantity information in that group's processing capacity of paying in cash is not done extra processing when depositing in.
In step 506 as shown in Figure 5, the data message that deposits order and pass in that billing and accounting system 104 is sent according to operation system 1 (the existing operation system of access), Cun Rukuan $800 ten thousand ， $700 ten thousand ， $600 ten thousand He $100 are not deposited in account 412 in the bank account database 108 very much; 414
1, 414
2..., 414
J
The customer account record that step 506 produced as shown in Figure 6A.Because in the system 100A shown in Figure 1A, group's cash income management 107 is regularly to handle deposit, so these deposits are in the bank account database of all staying at the beginning separately 108.
Shown in Fig. 6 B, the A of parent company of group with and the Z of subsidiary company of group
1, Z
2..., Z
JUse the business need of bank's cabinet face processing terminal shown in Figure 1A or client terminal input Zhi Qu $100 ten thousand ， $40 ten thousand ， $20 ten thousand He $10 ten thousand in 502 steps as shown in Figure 5.These are drawn requirement and are sent to bank computer system 10 by computer network 12.
In step 503 as shown in Figure 5, these draw the business need order that requires to be converted into electronic form, are sent to bank computer system 10 by computer network 12 these orders.Receive these draw require order after, bank computer system 10 is drawn these that operation system 1 (the existing operation system of access) is delivered in business need timesharing and timesharing starts operation system 1.
In step 504 as shown in Figure 5, operation system 1 (the existing operation system of access) is drawn the business need timesharing to these and is handled.Operation system 1 (access existing operation system) finish draw business processing after, inquiry group cash account information finds that these accounts are that subsidiary company of group account is carried out group's processing of paying in cash.Owing to the Z of subsidiary company of group this moment
1, Z
2..., Z
JRemaining sum in bank account database 108 is enough payments all, thus need not carry out of the transfer accounts processing of parent company of group to subsidiary company of group, but directly from these accounts, pay, send the instruction of directly drawing to billing and accounting system 104 again from subsidiary company's account.
The command fetch that step 506 as shown in Figure 5, billing and accounting system 104 are sent according to operation system 1 (the existing operation system of access) and the data message of pass, ten thousand, ten thousand, ten thousand, the not other account from bank account database 108 412 very much; 414
1, 414
2..., 414
JThe middle taking-up.The customer account record that step 506 produced is shown in Fig. 6 B.
Shown in Fig. 6 C, group cash income management 107 is handled the account of group's cash management is arranged in bank account database 108 by 510 steps among Fig. 5, and upgrades corresponding Account History in group's cash account database 106.
In step 510 as shown in Figure 5, parent company of group and subsidiary company of group accounts that group's cash income management 107 is regularly handled in bank's account database 108.Our hypothesis before group cash income management 107 is handled in the bank account database 108 the customer account balance situation shown in Fig. 6 B.In step 510, group's cash income management 107 will be deposited subsidiary company of group account 414 in the account database 108 in the bank
1, 414
2..., 414
JThe surplus cash produce, and the surplus cash that these produce changed over to be located in bank account database 108 in the A of parent company of the group account 412.The proper account 402 that is located in group's cash account database 106 is upgraded in group's cash income management 107 then
1, 402
2..., 402
J
The customer account that step 510 produced writes down shown in Fig. 6 C, wherein, and the account 402 in group's cash account database 106
1, 402
2..., 402
JIn cash Fen Biewei $660 ten thousand, $580 ten thousand He $90 ten thousand.And in bank account database 108, the cash in the account 412 of the A of parent company of group is A of parent company of group and subsidiary company of group 414
1, 414
2..., 414
JThe Zong He $2030 ten thousand of account cash.As can be seen, after group's cash processing, the cash total amount of whole group company increases.For A of parent company of group or subsidiary company of a certain group, at a time, its paying ability is greater than company's liquid balance volume.
Shown in Fig. 6 D, the A of parent company of group with and the Z of subsidiary company of group
1, Z
2..., Z
JUse the business need of bank's cabinet face processing terminal shown in Figure 1A or client terminal input Zhi Qu $800 ten thousand ， $60 ten thousand ， $30 ten thousand He $100 ten thousand in 502 steps as shown in Figure 5.These are drawn requirement and are sent to bank computer system 10 by computer network 12.
In step 503 as shown in Figure 5, these draw the business need order that requires to be converted into electronic form, are sent to bank computer system 10 by computer network 12 these orders.Receive these draw require order after, bank computer system 10 is drawn these that operation system 1 (the existing operation system of access) is delivered in business need timesharing and timesharing starts operation system 1.We suppose that before drawing, each account cash retains situation shown in Fig. 6 C.
In step 504 as shown in Figure 5, operation system 1 (the existing operation system of access) 102
1To the A of parent company of group account 412 and the Z of subsidiary company of group
1, Z
2..., Z
JAccount 414
1, 414
2..., 414
JOperate.If not relating to group's cash, one extract operation do not draw, then group's control of cash payment 103 when handling this extract operation
1Can not be activated.If extract operation relates to group's cash management, group's control of cash payment 103 when handling this extract operation then
1Just be activated.
Draw the group's control of cash payment 103 in operation system 1 module because in the example of narration, relate to group's cash
1Be activated, so in group shown in Figure 5 pays in cash processing 504 ', for the expenditure order of handling subsidiary company of group, group's control of cash payment 103
1Enough whether the remaining sum of checking earlier subsidiary company of group payment, find not enough payment after, three groups of instructions below having increased before normal payment instruction: (1) produces three cashes ten thousand, ten thousand and ten thousand in 412 from parent company of group account; (2) change these three cashes over to account 414 respectively
1, 414
2..., 414
J(3) New Account 402 more
1, 402
2..., 402
JAfter above instruction is normally finished, send normal payment instruction again, with Xian Jin $800 ten thousand ， $60 ten thousand ， $30 ten thousand He $100 very much not from account 412; 414
1, 414
2..., 414
JMiddle expenditure.
Step 506 as shown in Figure 5, command fetch and relevant data message that billing and accounting system 104 is sent according to operation system 1 (the existing operation system of access) are to account 412; 414
1, 414
2..., 414
J402
1, 402
2..., 402
JCarry out corresponding operating.The customer account record that step 506 produced is shown in Fig. 6 D.
Fig. 7 is that the present invention uses that the 100B of system carries out account cash management process flow diagram shown in Figure 1B.
As shown in Figure 7, in step 702, banking person requires for client's incoming traffic by the bank's cabinet face processing terminal shown in Figure 1B or client oneself passes through the requirement of client terminal incoming traffic.This business need comprises that cash deposits in, cash is drawn, credit card is asked for an advance on one's pay and business such as credit card repaying.
In step 704, this business need converts the business need order of electronic form to, is sent to bank computer system 10 by computer network 12 business need orders.After receiving the business need order, computer system 10 sends to corresponding business system 102 according to the character of business need with this business need order
1, 102
2..., or 102
NTo start the corresponding service system.
In step 706, the operation system that receives professional order is carried out corresponding service processing according to order.After finishing the corresponding service processing, the operation system that is activated is given an order and relevant data message to billing and accounting system 104.Different with the 100A of system shown in Figure 1A, 100B is in operation system 102 in system shown in Figure 1B
1, 102
2..., or 102
NIn do not carry out the group cash management and handle.
In step 708, billing and accounting system 104 ' judges that the business order of sending here from step 706 is the order of payment transaction character or the order that deposits Business Nature in.If the business order of sending here is the order of payment transaction character, billing and accounting system 104 ' is called the cash processing layer 104-1 of group (comprising step 710 and step 712) in the billing and accounting system 104 ', and operation changes step 710 over to then; If the business order of sending here is the order that deposits Business Nature in, operation changes step 716 over to.
In step 710, the cash processing layer 104-1 of group judges whether the business order of sending here from step 706 needs group's processing of paying in cash.If do not need group's processing of paying in cash (to that is to say that this customer account is a segregated account, its cash and parent company of any group or subsidiary company of group are irrelevant), then operation directly changes step 714 over to, and business order and related data information that operation system is sent are directly handled.Group's processing of paying in cash if desired, then operation changes step 712 over to.
In step 712, the cash processing layer 104-1 of group is earlier do group's processing of paying in cash.Finish group pay in cash handle after, changing normal account flow process over to.
In step 714, billing and accounting system 104 ' to business order do accounting processing.
As previously mentioned, in step 708, if the business order of sending here is the order that deposits Business Nature in, operation changes step 716 over to start billing and accounting system 104 '.
In step 716, billing and accounting system 104 ' earlier to business order do accounting processing, call the cash processing layer 104-1 of group (comprising step 718 and step 720) in the billing and accounting system 104 ' then.
In step 718, the cash processing layer 104-1 of group judges whether the business order of sending here from step 716 needs group's cash income to handle.If do not need the group cash income to handle (that is to say that this customer account is a segregated account, its cash and parent company of any group or subsidiary company of group are irrelevant), EO then, thus go back to step 702 to wait for next business need order.Group's cash income is handled if desired, and then operation changes step 720 over to.
In step 720, the cash processing layer 104-1 of group makes group's cash income earlier and handles.Then go back to step 702 to wait for next business need order.
Fig. 8 A is that the present invention uses shown in Figure 1B 100B of system to deposit the process flow diagram of processing.In fact, process flow diagram 8A is to as shown in Figure 7 flow process specializing on deposit is handled, and is the example that the group's cash account shown in Fig. 9 A is carried out sequential operation.We suppose starting stage A of parent company of group and the Z of subsidiary company of group
1, Z
2..., Z
JHaving the cash number in group's cash account database 106 and the bank account database 108 is zero.
Shown in Fig. 8 A, in step 802, banking person by the bank's cabinet face processing terminal shown in Figure 1B for client input deposit in business need or client oneself by client terminal import shown in Fig. 9 A to the A of parent company of group account 412 and subsidiary company of group account 414
1, 414
2... with 414
JDeposit the business need of Ren Minbi $800 ten thousand ， $700 ten thousand ， $600 ten thousand He $100 ten thousand respectively in.
In step 804, what these deposited that business need is converted into electronic form in deposits the business need order in, and these deposit the business need order in and are sent to bank computer system 10 by computer network 12.Receive deposit the business need order in after, timesharing sent to operation system 102 after computer system 10 deposited these in business need order
1(the existing operation system of access) and timesharing start the existing operation system of access.
In step 806, the existing operation system of access deposits business need order timesharing in according to these and deposits business processing accordingly in.After finishing each and depositing business processing in, the existing operation system of access is given an order and relevant data message to billing and accounting system 104 ', calls billing and accounting system 104 ' then and deposits treatment scheme in the startup account.
In step 816, billing and accounting system 104 ' deposits professional order in to each earlier and does accounting processing (promptly to the A of parent company of group account 412 and subsidiary company of group account 414
1, 414
2... with 414
JDeposit Ren Minbi $800 ten thousand ， $700 ten thousand ， $600 ten thousand He $100 ten thousand respectively in), call the cash processing layer 104-1 of group (comprising step 818 and step 820) in the billing and accounting system 104 ' then.
In step 818, the cash processing layer 104-1 of group judges that each that finish in step 816 deposits professional order in and whether needs group's cash income to handle.If do not need the group cash income to handle (that is to say that this customer account is a segregated account, its cash and parent company of any group or subsidiary company of group are irrelevant), EO then, thus go back to step 802 to wait for next business need order.Group's cash income is handled if desired, and then operation changes step 820 over to.Because depositing professional order in, each that finish in step 816 all need group's cash income to handle, so operation forwards step 820 to.
In step 820, the cash processing layer 104-1 of group makes group's cash income and handles, and then goes back to step 702 to wait for next business need order.Group's cash income is handled and is comprised following three steps:
(1) making subsidiary company's account produces processing and (is about to $700 ten thousand ， $600 ten thousand He $100 very much not from subsidiary company of group account 414
1, 414
2... with 414
JProduce respectively);
(2) change processing (be about to $700 ten thousand ， $600 ten thousand He $100 ten thousand and deposit the A of parent company of group account in) over to as parent company;
(3) doing to upgrade processing (is about to $700 ten thousand ， $600 ten thousand He $100 and does not deposit 402 in very much
1, 402
2... with 402
J).
Fig. 8 B is that the present invention uses the process flow diagram that the 100B of system pays and handles shown in Figure 1B.In fact, process flow diagram 8B is to as shown in Figure 7 flow process specializing on payment processes, is the example that the group's cash account shown in Fig. 9 B is carried out sequential operation.We are the hypothesis A of parent company of group and the Z of subsidiary company of group before the payment processes operation
1, Z
2..., Z
JExist cash number in group's cash account database 106 and the bank account database 108 shown in Fig. 9 A.
Shown in Fig. 8 B, in step 802 ', payment transaction requires banking person or client oneself imports from the A of parent company of group account 412 and subsidiary company of group account 414 by client terminal for the client imports by the bank's cabinet face processing terminal shown in Figure 1B
1, 414
2... with 414
JPay Renminbi ten thousand, ten thousand respectively, ten thousand and ten thousand business need.
In step 804 ', the payment transaction that these payment transactions require to be converted into electronic form requires order, requires order to be sent to bank computer system 10 by computer network 12 these payment transactions.After receiving that payment transaction requires order, computer system 10 requires order back timesharing to send to operation system 102 these payment transactions
1(the existing operation system of access) and timesharing start the existing operation system of access.
In step 806 ', the existing operation system of access requires the order timesharing to carry out the corresponding payment business processing according to these payment transactions.After finishing each payment transaction processing, the existing operation system of access is given an order and relevant data message to billing and accounting system 104 ', calls billing and accounting system 104 ' then to start account payment processes flow process.
In step 810, whether 806 ' the handled payment transaction order of the cash processing layer 104-1 of group determining step needs group's processing of paying in cash.If do not need group's processing (that is to say that this customer account is a segregated account, its cash and parent company of any group or subsidiary company of group irrelevant) of paying in cash, then operation directly changes step 814 over to, and accounting processing is directly carried out in the payment transaction order.Group's processing of paying in cash if desired, then operation changes step 812 over to.
In step 812, the cash processing layer 104-1 of group is earlier do group's processing of paying in cash.Finish group pay in cash handle after, change normal account flow process 814 again over to.Group pays in cash to handle and comprises following three steps:
(1) makes parent company's account and produce processing (promptly from the A of parent company account 412, producing Ren Minbi $70 ten thousand ， $50 ten thousand He $110 ten thousand respectively);
(2) changing processing over to as subsidiary company (is about to Ren Minbi $70 ten thousand ， $50 ten thousand He $110 and does not change subsidiary company of group account 402 very much over to
1, 402
2... with 402
J);
(3) do to upgrade processing and (be about to Ren Minbi $70 ten thousand ， $50 ten thousand He $110 very much not from subsidiary company of group account 402
1, 402
2... with 402
JThe amount of money in deduct).
In step 814, billing and accounting system 104 ' requires order to do accounting processing to payment transaction.
Fig. 9 A-9B represents the example that uses the system architecture shown in Figure 1B of the present invention according to the process flow diagram shown in Fig. 8 A-8B the group's cash account shown in Fig. 2 A-2B to be carried out sequential operation.
The data management system that should be noted that bank builds up for many years and grows up, and the apparatus and method of a plurality of independent accounting cash co-settlings that the present invention realized are suitable for developing on existing bank data management system.
In the system 100A shown in Figure 1A, group's liquid balance management of balance 107 is standalone feature modules that add in addition, and the surplus cash in the related account in the customer account data storehouse 108 is carried out regular Balance Treatment.Like this, under the situation of operation system of not changing bank's available data management system and billing and accounting system, can increase sharply provides group's liquid balance equilibrium function to the client.In addition, group's cash is drawn balance of properties management 103
1, 103
2..., or 103
NBe added in each operation system.In existing bank data management system, group's cash is drawn the balance of properties management function and is added in different operation systems one by one like this, is convenient to institute's service function exploitation.
The shortcoming of the 100A of system shown in Figure 1A is that the customer account in the customer account data storehouse 108 is regular balance, and in a certain stage, the surplus cash of subsidiary company of group may also can be trapped in subsidiary company of the group account.
In the system 100B shown in Figure 1B, because the cash balances processing layer 104-1 of group is embedded in the former billing and accounting system.Like this, before operation system, the cash balances processing layer 104-1 of group carries out group's cash balances to the business need of handling to be handled.Operation system and billing and accounting system in so original system are not all changed, and as long as concentrate group's cash balances processing layer of exploitation.
In addition, though the present invention has added the segregated account cash and has compiled function, but it is because each when the related account of group's cash account database 106 is carried out Balance Treatment, all operations all carries out through client's related account in customer account data storehouse 108, and all deposit, draw record in does not all have loss.So by the information in group's cash account database 106 and the customer account data storehouse 108, the present invention can be printed each client traffic dealing report perfectly.
In addition, the Account History in group's cash account database 106 also be between the group internal company interest payment as basis.
The valuation of group internal interest is the daily balance based on group's cash account, calculates the treasury trade between parent company and subsidiary company.When subsidiary company of group income fund, and when giving parent company of group on the fund, as the deposit of subsidiary company of group at parent company of group place, parent company of group need figure interest to subsidiary company of group according to certain interest rate.When subsidiary company of group pays, when parent company of group sets aside fund to subsidiary company of group, to be used as subsidiary company of group and to borrow money to parent company of group, parent company of group need collect interest to subsidiary company of group according to certain interest rate.Group's cash management meeting is according to the allocation of the funds situation between the parent company and subsidiary company of group, calculates deposit and loaning bill between the parent company and subsidiary company of group according to above rule, and calculates interest according to the requirement of company.
Should be noted that, though employed among the present invention is a general-purpose computations machine shown in Fig. 3, Fig. 4 A and Fig. 4 B, but such general-purpose computations machine just becomes the novel computing machine that can finish concrete function of the present invention with after data structure, program, software and process flow diagram among the present invention combines.Thereby just become the hardware unit of carrying out concrete function among the present invention as the individual hardware module among Fig. 3, Fig. 4 A and Fig. 4 B.
As a system, the data structure shown in Fig. 2 B, Fig. 6 A-6D, Fig. 9 A-9B can be provided with and leave in the group account database 106 and customer account data storehouse 108 shown in Fig. 4 B.Process flow diagram and other software program instructions as Fig. 5, Fig. 7, Fig. 8 A-8B can exist in the computer applied algorithm 308.Forming program, the instruction software of these process flow diagrams can be carried out by computer system shown in Figure 3 300, thereby finish function of the present invention.
Claims (4)
1. a data handling system comprises at least one user terminal and a computer system, it is characterized in that described system comprises:
Be installed in the memory storage in the described computer system, be used to be provided with a main account and at least one sub-account;
Be installed in the input media of described user terminal, be used for the customer deposit request of importing;
Be installed in the judgment means in the described computer system, be used to judge whether described customer deposit request deposits sub-account in or deposit main account in;
Be installed in the actuating unit in the described computer system, be used for depositing deposit in described main account, if the customer deposit request is to described main account deposit, be used for depositing deposit in described sub-account earlier, then described deposit is produced the described main account of restoring from described sub-account, if described customer deposit request is to described sub-fund account.
2. data handling system as claimed in claim 1, it is characterized in that described memory storage also is provided with an interlock account with described main account and sub-account, actuating unit in the described computer system will produce the deposit that then is deposited into main account and record described interlock account from described sub-account.
3. a data handling system comprises at least one user terminal and a computer system, it is characterized in that described system comprises:
Be installed in the memory storage in the described computer system, be used to be provided with a main account and at least one sub-account;
Be installed in the input media of described user terminal, be used for client's geld request of importing;
Be installed in the judgment means in the described computer system, be used for judging whether the request of described client's geld is paid or paid from sub-account from main account;
Be installed in the actuating unit in the described computer system, be used for geld is paid from described main account, if the request of client's geld is from described main account payment, be used for earlier geld being produced from described main account earlier, deposit the described money that produces in described sub-account then, again geld is paid from described sub-account, if the request of described client's geld is to pay from described sub-account.
4. data handling system as claimed in claim 3, it is characterized in that described memory storage also is provided with an interlock account with described main account and sub-account, actuating unit in the described computer system will record described interlock account from the geld that described main account is relayed to the described sub-account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005100239174A CN1818968A (en) | 2005-02-07 | 2005-02-07 | Multiple independent accounting cash co-settling device and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005100239174A CN1818968A (en) | 2005-02-07 | 2005-02-07 | Multiple independent accounting cash co-settling device and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1818968A true CN1818968A (en) | 2006-08-16 |
Family
ID=36918967
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005100239174A Pending CN1818968A (en) | 2005-02-07 | 2005-02-07 | Multiple independent accounting cash co-settling device and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1818968A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101034411A (en) * | 2007-04-09 | 2007-09-12 | 招商银行股份有限公司 | Computer data processing system and processing method and application |
| CN102479360A (en) * | 2010-11-22 | 2012-05-30 | 金蝶软件（中国）有限公司 | Automatic payment method, related device and system |
| CN110610424A (en) * | 2019-09-18 | 2019-12-24 | 汇智点亮科技(北京)有限公司 | Account system, service terminal, transaction management method and system, device and medium |
-
2005
- 2005-02-07 CN CNA2005100239174A patent/CN1818968A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101034411A (en) * | 2007-04-09 | 2007-09-12 | 招商银行股份有限公司 | Computer data processing system and processing method and application |
| CN101034411B (en) * | 2007-04-09 | 2016-05-11 | 招商银行股份有限公司 | A kind of computer data processing system and processing method and application |
| CN102479360A (en) * | 2010-11-22 | 2012-05-30 | 金蝶软件（中国）有限公司 | Automatic payment method, related device and system |
| CN110610424A (en) * | 2019-09-18 | 2019-12-24 | 汇智点亮科技(北京)有限公司 | Account system, service terminal, transaction management method and system, device and medium |
| WO2021051888A1 (en) * | 2019-09-18 | 2021-03-25 | 汇智点亮科技(北京)有限公司 | Account system, service terminal, transaction management method and system, device and medium |
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Application publication date: 20060816 |